| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRG ADVISORS LLC Filed as: JRG ADVISORS | 7000 STONEWOOD DRIVE WEXFORD, PA 15090 | HIGHMARK INC | $26K | — | $26K | 1.30% |
| EMERSON REID LLC Filed as: EMERSON REID | 630 W GERMANTOWN PIKE PLYMOUTH MEETING HOUSE, PA 19462 | HIGHMARK INC | $13K | — | $13K | 0.65% |
| MY BENEFIT ADVISOR LLC | 669 RIVER DR CENTER ELMWOOD, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 8.78% |
| HARRISON BENEFIT SERVICES LLC Filed as: HARRISON BENEFIT SERVICE LLC | PO BOX 1431 KINGSTON, PA 18704 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 2.78% |
| JRG ADVISORS LLC Filed as: JRG ADVISORS | 7000 STONEWOOD DRIVE WEXFORD, PA 15090 | HIGHMARK INC | $665 | — | $665 | 4.05% |
| EMERSON REID LLC Filed as: EMERSON REID | 630 W GERMANTOWN PIKE PLYMOUTH MEETING HOUSE, PA 19462 | HIGHMARK INC | $323 | — | $323 | 1.97% |
| HARRISON BENEFIT SERVICES LLC Filed as: HARRISON BENEFIT SERVICE LLC | PO BOX 1431 KINGSTON, PA 18704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $520 | $707 | $1K | — |
| EMERSON REID LLC Filed as: EMERSON REID | 630 W GERMANTOWN PIKE PLYMOUTH MEETING HOUSE, PA 19462 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 109 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $0 |
| Vision | HIGHMARK INC | 131 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 134 | $62K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 134 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.